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Unum (UNM) Stock Analysis

This is a peer-relative look at Unum (UNM): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Insurance peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Unum (UNM)
Profile ItemUNM
NameUnum Group
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupInsurance
GICS IndustryInsurance
GICS Sub-IndustryLife & Health Insurance
Market Capitalization11.89 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateNovember 6, 1986
Security TypeCommon Stock

Price Performance

Cumulative Growth

UNM
GSPC
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Unum (UNM) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Unum (UNM) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Unum (UNM) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Unum (UNM) metric values compared with Insurance industry-group medians
MetricCurrent stock: UNMIndustry group median
Total Return (1Y)4.52%13.21%
Total Return (3Y, Annualized)25.65%16.41%
Total Return (5Y, Annualized)29.12%10.37%

Risk Profile

Drawdown History

UNM
GSPC
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Unum (UNM) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Unum (UNM) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Unum (UNM) metric values compared with Insurance industry-group medians
MetricCurrent stock: UNMIndustry group median
Volatility (1Y, Annualized)29.31%28.84%
Beta (5Y)0.280.50
Max Drawdown (5Y)-23.00%-38.77%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. UNM is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Unum (UNM) metric values compared with Insurance industry-group medians
MetricCurrent stock: UNMIndustry group median
Sharpe Ratio (1Y)0.010.28
Sortino Ratio (1Y)0.010.41

Profitability

ROE (TTM)

Unum (UNM) posts ROE of 2.25%, in the lower peer quartile. Shareholders’ equity is not producing as much profit as it does at most peers, so margins, asset turns, or balance-sheet structure deserve a closer look.

UNM

Insurance industry group

2.25%

Group distribution
Max
41.68%
Q3
22.04%
Median
14.81%
Q1
8.79%
UNM
2.25%
Min
-10.66%
Largest peers
PGR
33.24%
TRV
27.50%
MRSH
27.24%
CB
14.25%
MFC
12.24%
AJG
7.21%
UNM
2.25%
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Where Unum (UNM) stands on ROE within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Unum (UNM) keeps 1.94% of revenue as net profit, in the lower peer quartile for net margin. More of each sales dollar is being absorbed by costs, financing, taxes, or other charges than at most peers.

UNM

Insurance industry group

1.94%

Group distribution
Max
29.92%
Q3
17.03%
Median
10.97%
Q1
6.21%
UNM
1.94%
Min
-4.68%
Largest peers
MFC
18.97%
CB
18.13%
TRV
17.03%
MRSH
14.20%
PGR
12.67%
AJG
10.78%
UNM
1.94%
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Where Unum (UNM) stands on net margin within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Unum (UNM) in Insurance: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Unum (UNM) metric values compared with Insurance industry-group medians
MetricCurrent stock: UNMIndustry group median
ROE (TTM)2.25%14.81%
ROA (TTM)0.51%2.72%
Net Margin (TTM)1.94%10.97%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Unum (UNM) grew revenue 1.52%, in the lower peer quartile. The top line is expanding more slowly than at most peers, which can reflect softer demand, lost share, or weaker pricing.

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Unum (UNM): Revenue Growth across different time periods, set against Insurance industry-group medians.

EPS Growth

Unum (UNM) grew earnings per share -54.86%, in the lower peer quartile. Per-share profits are advancing more slowly than at most peers, so margins, costs, or share count deserve a closer look.

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Unum (UNM): EPS Growth across different time periods, set against Insurance industry-group medians.

Growth Metrics

Unum (UNM) metric values compared with Insurance industry-group medians
MetricCurrent stock: UNMIndustry group median
Revenue Growth (YoY)1.52%7.89%
Revenue Growth (3Y CAGR)3.02%11.40%
EPS Growth (YoY)-54.86%21.77%
EPS Growth (3Y CAGR)-13.07%18.46%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Unum (UNM) in Insurance: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Unum (UNM) in Insurance: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Unum (UNM) metric values compared with Insurance industry-group medians
MetricCurrent stock: UNMIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Unum (UNM) has dividend yield of 2.61%, in the upper peer-yield quartile while still inside the industry range. The dividend offers more cash income per dollar of share price than most peers, though payout coverage still matters.

UNM

Insurance industry group

2.61%

Group distribution
Max
5.12%
UNM
2.61%
Q3
2.15%
Median
0.98%
Q1
0.00%
Min
0.00%
Largest peers
MFC
4.32%
UNM
2.61%
MRSH
1.80%
TRV
1.17%
CB
1.07%
AJG
0.95%
PGR
0.17%
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Where Unum (UNM) stands on dividend yield within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Unum (UNM) has payout ratio of 128.23%, meaning dividends exceeded current-period earnings. The gap would need to be covered by cash, retained earnings, financing, or other sources, so earnings alone do not support the payout.

UNM

Insurance industry group

128.23%

Group distribution
UNM
128.23%
Max
76.67%
Q3
35.18%
Median
14.74%
Q1
0.00%
Min
0.00%
Largest peers
UNM
128.23%
PGR
70.03%
MFC
54.30%
MRSH
44.14%
AJG
41.98%
CB
13.95%
TRV
12.36%
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Where Unum (UNM) stands on payout ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Unum (UNM) metric values compared with Insurance industry-group medians
MetricCurrent stock: UNMIndustry group median
Dividend Yield (TTM)2.61%0.98%
Dividend Payout Ratio (TTM)128.23%14.74%

Valuation

P/E Ratio (TTM)

Unum (UNM) trades at P/E ratio of 52.21, above the peer range for its industry. The market is paying unusually heavily for TTM earnings relative to comparable companies.

UNM

Insurance industry group

52.21

Group distribution
UNM
52.21
Max
28.37
Q3
18.75
Median
12.23
Q1
9.08
Min
2.32
Largest peers
UNM
52.21
AJG
42.99
MRSH
24.50
MFC
17.23
CB
12.79
PGR
11.47
TRV
10.39
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Where Unum (UNM) stands on P/E ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Unum (UNM) trades at 0.95 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

UNM

Insurance industry group

0.95

Group distribution
Max
4.03
Q3
2.25
Median
1.23
UNM
0.95
Q1
0.85
Min
0.07
Largest peers
AJG
4.58
MRSH
3.42
CB
2.25
MFC
2.11
TRV
1.66
PGR
1.44
UNM
0.95
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Where Unum (UNM) stands on P/S ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Unum (UNM) trades at 1.11 on P/B ratio, in the lower book-value quartile for its industry. Investors are paying less for the balance-sheet equity than they pay for most peers, with returns on that equity still central to the read.

UNM

Insurance industry group

1.11

Group distribution
Max
5.07
Q3
2.79
Median
1.76
Q1
1.23
UNM
1.11
Min
0.30
Largest peers
MRSH
6.64
PGR
3.82
AJG
3.00
TRV
2.79
MFC
2.13
CB
1.91
UNM
1.11
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Where Unum (UNM) stands on P/B ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Unum (UNM) metric values compared with Insurance industry-group medians
MetricCurrent stock: UNMIndustry group median
P/E Ratio (TTM)52.2112.23
P/S Ratio (TTM)0.951.23
P/B Ratio (MRQ)1.111.76
Free Cash Flow Yield (TTM)----